Searching for better insurance prices for a Porsche Boxster in Texas could be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to shop for car insurance so we're going to tell you the quickest way to get price quotes for a new or used Porsche and obtain the best price possible from both online companies and San Antonio agents.
Consumers need to take a look at other company's rates every six months because rates are rarely the same from one policy term to another. Even if you think you had the best rate on Porsche Boxster insurance in San Antonio last year there is a good chance you can find better prices now. Forget all the misinformation about car insurance because you're about to find out how to use online quotes to eliminate unnecessary coverages and save money on Porsche Boxster insurance in San Antonio.
Most companies like State Farm and Allstate provide prices for coverage directly from their websites. The process is quite easy as you just type in your coverage preferences into a form. When the form is submitted, their quoting system pulls reports for credit and driving violations and generates pricing information based on these and other factors.
This streamlines rate comparisons, and it's also necessary to perform this step if you want to find the lowest possible payments on car insurance.
To compare rates now, take a look at the companies shown below. If you have your current policy handy, we recommend that you enter the coverages exactly as they are listed on your policy. This ensures you will have a fair comparison for exact coverage.
The companies in the list below are our best choices to provide price quotes in San Antonio, TX. If several companies are displayed, we recommend you visit two to three different companies to find the cheapest auto insurance rates.
Discounts can help lower premiums on Porsche Boxster insurance in San Antonio
Buying insurance is not cheap, but there are discounts available that you may not know about. Many of these discounts will be applied automatically when you complete an application, but a few must be requested specifically before you will receive the discount.
- Sign Online - A handful of insurance companies will provide an incentive shop San Antonio car insurance on the internet.
- Senior Discount - Drivers over the age of 55 may receive a discount up to 10%.
- Seat Belt Usage - Requiring all passengers to use a seat belt can save a little off PIP or medical payments premium.
- Safety Course Discount - Participating in a class that teaches defensive driver techniques could cut 5% off your bill and easily recoup the cost of the course.
- Policy Bundle Discount - If you insure your home and vehicles with the same company they may give you a discount of up to 20% and get you the cheapest Porsche Boxster insurance in San Antonio.
- San Antonio Homeowners Discount - Owning your own home or condo can get you a discount because maintaining a house requires personal responsibility.
- Anti-lock Brake System - Vehicles that have steering control and anti-lock brakes are much safer to drive so you can save 10 percent or more.
- Telematics Devices - San Antonio drivers who agree to allow their insurance company to scrutinize their driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system may see discounts if they are good drivers.
- Active Military Service - Having an actively deployed family member could be rewarded with lower rates.
While discounts sound great, it's important to understand that most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. Just because it seems like you could get a free insurance policy, you won't be that lucky.
The information below illustrates the comparison of Porsche Boxster annual premium costs with and without discounts being applied to the rates. The premiums are based on a female driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, safe-driver, multi-car, and homeowner discounts applied.
To find insurance companies offering insurance discounts in San Antonio, follow this link.
The rate information displayed below showcases a range of coverage costs for Porsche Boxster models. Having insight into how insurance quotes are established can assist in making smart choices when comparing insurance quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Boxster 2-Dr Convertible||$258||$532||$366||$22||$110||$1,288||$107|
|Boxster S 2-Dr Convertible||$286||$602||$366||$22||$110||$1,386||$116|
|Get Your Own Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in specific zip code location which can revise insurance rates greatly.
Car insurance rates are higher with tickets and accidents
The chart below shows how speeding tickets and at-fault accidents can drive up Porsche Boxster premium costs for different categories of driver ages. The data is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
Rate comparison of male drivers versus female drivers
The example below shows the difference between Porsche Boxster auto insurance costs for male and female drivers. The premium estimates are based on no accidents or driving violations, full coverage, $1,000 deductibles, drivers are single, and no discounts are factored in.
Rate comparison of full coverage and liability-only
The information below illustrates the difference between Porsche Boxster insurance premiums when comparing full coverage to state minimum liability only. The information is based on no violations or accidents, $500 deductibles, single marital status, and no discounts are factored in.
When to stop buying full coverage
There isn't a steadfast formula of when to eliminate comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.
For example, let's assume your Porsche Boxster claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $7,000 after paying the physical damage deductible. If it's costing you more than $700 annually for your policy with full coverage, then it might be time to buy liability only.
There are some circumstances where removing full coverage is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
Why Your Insurance Premiums might be higher
An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for car insurance. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that could help you find big savings. Many different elements are used in the calculation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but some are less apparent such as your credit history or your financial responsibility.
The factors shown below are some of the things used by your company to calculate your rate level.
Low credit rating equals high premiums - Credit score is likely to be a major factor in determining what you pay for car insurance. If your credit is low, you may save money insuring your Porsche Boxster by improving your rating. Consumers who have good credit tend to be more responsible and file fewer claims as compared to drivers with lower credit scores.
Marriage is a factor - Your spouse may save some money on your car insurance bill. Marriage means you're more mature and statistics show married drivers tend to have fewer serious accidents.
Stay claim-free and lower prices - Insurance companies in Texas generally give the lowest premiums to people who file claims infrequently. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Your car insurance is intended for more catastrophic claims.
Drive less and save - The more you drive annually the more it will cost to insure it. A lot of companies calculate rates based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time receive lower rates than cars that get driven a lot. Having the wrong rating on your Boxster may be wasting your money. Double check that your car insurance policy shows the proper vehicle usage.
Insurance loss statistics a Porsche Boxster - Insurers study historical loss data to help determine prices. Models that the data shows to have higher losses will cost more for coverage.
The table below demonstrates the historical loss data for Porsche Boxster vehicles. For each insurance policy coverage type, the loss probability for all vehicles as a whole is represented as 100. Values that are 100 or less suggest losses that are better than average, while values over 100 point to more losses or an increased probability of a larger loss.
|Specific Porsche Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Porsche Boxster Convertible||135||47||121||31|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Neighborhood agents and car insurance
Many drivers would rather buy from a licensed agent and that is recommended in a lot of cases Agents can help you choose the best coverages and help submit paperwork. One of the great benefits of price shopping on the web is you may find cheap car insurance quotes and still have a local agent.
To help locate an agent, after submitting this short form, your information is submitted to local insurance agents who will give you quotes for your coverage. You won't need to do any legwork because prices are sent instantly to you. If for some reason you want to get a price quote from a specific company, feel free to jump over to their website and complete a quote there.
Finding the right insurance company requires you to look at more than just a cheap price. Before buying a policy in San Antonio, get answers to these questions.
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they offer rental car reimbursement?
- How long has their agency been in business in San Antonio?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How often do they review policy coverages?
Do I need special coverages?
Always remember that when buying coverage online or from an agent for your personal vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance needs to address that. For example, these questions might help in determining whether your personal situation would benefit from professional advice.
- Is my camper covered for physical damage?
- What exactly is covered by my policy?
- Am I better off with higher deductibles on my Porsche Boxster?
- Does rental coverage apply when I am renting a car?
- When would I need additional glass coverage?
- What does PIP insurance cover?
- What discounts do I qualify for?
- Is my Porsche Boxster covered if I use it for business?
If you're not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, free and you can get the answers you need.
You can find cheap coverage
When getting San Antonio car insurance quotes online, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced liability limits or collision coverage and learned later that the savings was not a smart move. The goal is to buy a smart amount of coverage for the lowest cost and still be able to protect your assets.
We just showed you a lot of tips how to compare Porsche Boxster insurance car insurance rates in San Antonio. The most important thing to understand is the more you quote San Antonio car insurance, the higher the chance of saving money. Consumers could even find that the biggest savings come from some of the lesser-known companies. These companies can often provide lower premium rates in certain areas than their larger competitors like Progressive or GEICO.
To learn more, link through to the following helpful articles:
- Top Signs Your Brakes are Giving Out (State Farm)
- How Much is Auto Insurance for a Honda Accord in San Antonio? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Safety Tips for Teen Drivers (Insurance Information Institute)